Technology for capturing driving data, by box or smartphone, which feeds behavioural pricing.
Telematics designates the set of devices that measure driving in real time, originally through a box embedded in the vehicle, today most often through the smartphone's sensors, accelerometer, gyroscope and geolocation. It records acceleration, braking, cornering, speed, times of travel and distraction at the wheel, aggregated into a driving score that modulates the premium. It is the technical substrate of usage-based insurance, and its adoption is most natural in professional-fleet insurance, where surveillance falls within the employer's power of direction. Among private individuals, by contrast, it raises acute questions of consent, privacy and resale of data to brokers.
A company equips its vehicles with telematics boxes and obtains a premium cut of around 20 %, in exchange for continuous surveillance of its employees' driving.
télématique embarquée, boîtier télématique, insurance telematics